for preliminary evaluation. residential mortgage

15 West Strong Street
Suite 20A
Pensacola, FL 32501
Phone: 850-470-9336
Fax: 850-470-0540
Report Number: F12713310
Customer ID: 16147
Report Date:
10/19/2005
Report Type:
INDIVIDUAL
Reference Number /
Account Name:
Date Ordered:
Price:
1. Name(s): ANDY AMERICA
2. Present Address: 222 S ELM ST
3. City, State, Zip:
LAS VEGAS, NV 89103
4. Length of Time at Above Address
5. Former Address:
Length of Time:
6. Social Security Number(s)
7. Age(s)/DOB:
8. Marital Status:
Dependents:
RMCR
Business Report
Supplemental Report
Type of Loan: CONVENTIONAL
Completed
Not Completed
11943999 / C SKINNER
Test Account
10/19/2005
$0.00
Borrower Interview:
4.
5. 4321 CUL DE SAC / FALL RIVER, MA
6. Borrower: 500-60-3333
7. Borrower:
8.
02723
Co-Borrower:
Co-Borrower:
Dependents:
Renting
Buying/Owns
9. Borrower Present Employer:
10. Position:
Date First Employed:
11. Employment Verified By:
12. Income:
13. Former Employer:
Position:
14. Duration of Former
Verified By:
9.
10.
11.
12.
13.
14.
Verified
Not Verified
Date Verif:
Verified
Not Verified
15. Co-Borrower Present Employer:
16. Position:
Date First Employed:
17. Employment Verified By:
18. Income:
19. Former Employer:
Position:
20. Duration of Former
Verified By:
15.
16.
17.
18.
19.
20.
Verified
Not Verified
Date Verif:
Verified
Not Verified
Date Verif:
Date Verif:
FOR PRELIMINARY EVALUATION. RESIDENTIAL MORTGAGE REPORT
Report Summary
Name / SSN / FICO score
Experian Equifax TrUnion
Recent Inquiries: 6
Public Records: 2
Andy America 500-60-3333
612 579
Potential improvement (CreditXPert)
+0
+36 +44 Collection Accounts: 1
No score reported? Visit AdvantageCredit.com and find out
how ScorMor™ can help you qualify this borrower NOW!
Minimum
Payment
Open
Current Status
Closed
Derogatory
Past Due
Amount
Current Balance
Real Estate
Installment
Revolving
Miscellaneous
$174,665
$1176
$323
$0
$1,233
$1030
$25
$0
1
1
4
0
0
1
1
0
0
2
0
0
$0
$941
$0
$0
0
2
0
0
0
1
0
0
0
0
0
0
Total
$176,164
$2,288
6
2
2
$941
2
1
0
Present Status
Creditor Grantor
Account Number
Open
Date
Report
Date
High
Credit
Loan
Min
Type Payment
Balance
Owing
Amount
Past Due
30
Past Lates
60
90+
Account Type
M
Time Past Due O
N
T
30
60 90+ H
S
R
A
T
E
D
A
C
C
T
R
A
E
T Credit Bureau C
I Pres Status O
N
A
G
W
H
O
S
E
OPEN ACCOUNTS
WASHINGTON MU
43
11/92A
07/04A $180,200 IN
$1,233 $174,665
DLA 06/04A
Mortgage Loan (MTG)
Rptd by TRU on ANDY AMERICA
PO BOX 600 - MANCHESTER, NH 03105 - (800) 792-0927
GEMB/SONY
504677000209XXXX
10/98
07/04
$1,071 RV
$25
$323
--0
0
0 69 R1
DLA 10/98
Rptd by EQU on ANDY AMERICA
PO BOX 276 MAIL CODE OH 3-4258 C/O CARDHOLDER OPERATIONS - DAYTON, OH 45401 (937) 534-6950
Printed on 10/21/2005 11:54:02 AM
Page
1 of 3
$0
0
0
0 56 I1
TU
Open
2 B
EF
Open
0 B
15 West Strong Street
Suite 20A
Pensacola, FL 32501
Phone: 850-470-9336
Fax: 850-470-0540
Report Number: F12713310
Customer ID: 16147
Report Date:
10/19/2005
Report Type:
INDIVIDUAL
Reference Number /
Account Name:
Date Ordered:
Price:
1. Name(s): ANDY AMERICA
2. Present Address: 222 S ELM ST
3. City, State, Zip:
LAS VEGAS, NV 89103
Borrower Interview:
Present Status
Creditor Grantor
Account Number
Open
Date
Report
Date
RMCR
Business Report
Supplemental Report
Type of Loan: CONVENTIONAL
Completed
Not Completed
11943999 / C SKINNER
Test Account
10/19/2005
$0.00
High
Credit
Loan
Min
Type Payment
Balance
Owing
Amount
Past Due
M
Time Past Due O
N
T
30
60 90+ H
S
R
A
T
E
D
A
C
C
T
R
A
E
T Credit Bureau C
I Pres Status O
N
A
G
W
H
O
S
E
HSBC/RS
1-100000XXXX
08/99
07/04
$0 RV
$0
$0
DLA 09/99
Charge Account (CC)
Rptd by EQU on ANDY AMERICA
PO BOX 978 - WOOD DALE, IL 60191 - BY MAIL ONLY
0
0 59 R1
EF
Open
4 B
MEIER&FRNK
10/78
07/04
$4,044 RV
$0
$0
--0
0
DLA 05/98
Rptd by EQU on ANDY AMERICA
6160 LAUREL CANYON BLVD - N. HOLLYWOOD, CA 916063209 - (800) 830-9122
0 309 R1
EF
Open
B B
NORWEST-V
CCC
10/96
07/04
$1,000 RV
DLA 07/97
Rptd by EQU on ANDY AMERICA
BERLIN CITY
640365
08/95A
07/97A
$74 IN
DLA 06/97A
High Credit $74
Rptd by TRU on ANDY AMERICA
FRDF/CBUSA
603526400944XXXX
09/04
10/05
$125 RV
$0
DLA 10/05
Closed Account (OT)
Paid account/zero balance
Rptd by TRU,EQU on ANDY AMERICA
PO BOX 9714 - GRAY, TN 37615 - BY MAIL ONLY
MEIER&FRNK
---
0
---
0
0
0 10 R1
EF
Open
5 B
$0
$0
0
0
0 23 I1
TU
Closed
1 B
$0
---
0
0
0 13 R1
1 B
TU/EF
Paid $0 Bal
10/78
07/04
$4,044 IN
$0
$0
--0
0
DLA 05/98
Paid account/zero balance
Rptd by EQU on ANDY AMERICA
6160 LAUREL CANYON BLVD - N. HOLLYWOOD, CA 916063209 - (800) 830-9122
0 309 I1
B B
EF
Paid $0 Bal
1B
TU
Collection
$0
$0
CLOSED ACCOUNTS
$0
DEROGATORY ACCOUNTS
SOUTHWEST CREDIT
SYS
532350
12/96
07/04
$941
IN
$941
$941
DLA 07/04
Origianl Amount $941 Original Creditor:Southern Cable
Rptd by TRU on ANDY AMERICA
$941
0
0
0 10 I9
ALLIANCE 1
10004443880XXXX
02/02
07/04
$15,722 IN
$89
$235
DLA 07/04
Secured (CC)
30 days late 06/04 60 days late 12/03 30 days late 11/03
Rptd by TRU,EQU on ANDY AMERICA
34 N MAIN ST - HOMER CITY, PA 15748 - (412) 349-2900
---
2
1
0 29 I1
Revolving Totals:
Installment Totals:
Miscellaneous Totals:
Grand Totals:
Printed on 10/21/2005 11:54:02 AM
Page
$323
$175,841
$0
$176,164
2 of 3
TU/EF
Delinq
1B
15 West Strong Street
Suite 20A
Pensacola, FL 32501
Phone: 850-470-9336
Fax: 850-470-0540
Report Number: F12713310
Customer ID: 16147
Report Date:
10/19/2005
Report Type:
INDIVIDUAL
Reference Number /
Account Name:
Date Ordered:
Price:
11943999 / C SKINNER
Test Account
10/19/2005
$0.00
1. Name(s): ANDY AMERICA
2. Present Address: 222 S ELM ST
3. City, State, Zip:
LAS VEGAS, NV 89103
Borrower Interview:
Present Status
Creditor Grantor
Account Number
Open
Date
Report
Date
High
Credit
Loan
Min
Type Payment
Balance
Owing
Amount
Past Due
RMCR
Business Report
Supplemental Report
Type of Loan: CONVENTIONAL
Completed
Not Completed
M
Time Past Due O
N
T
30
60 90+ H
S
R
A
T
E
D
A
C
C
T
R
A
E
T Credit Bureau C
I Pres Status O
N
A
G
Repositories scanned: EXPERIAN EQUIFAX TRANSUNION PULLED: EXP TRU EQU
Footnotes:
Inquiries:
Public records:
FOR PRELIMINARY EVALUATION. RESIDENTIAL MORTGAGE REPORT
Name(s) Reported by Bureau
EXP - ANDY AMERICA (DOB:1/1/1900)
TRU - ANDREW AMERICA (DOB:11/11/1911)
EQU - ANDY AMERICA (DOB:11/11/1911)
.
ANDY AMERICA(500-60-3333) Fair Isaac Model Version 2: File not scored because subject does not have
sufficient credit.
ANDREW AMERICA(500-60-3333) Empirica Model 98: 579
Factors:
> (38)Serious delinquency, and public record or collection filed
> (16)Lack of recent revolving account information
> (15)Lack of recent bank revolving information
> (08)Too many inquiries last 12 months
ANDY AMERICA(500-60-3333) Beacon 5.0: 612
Factors:
> (20)Serious delinquency, and public record or collection filed
> (16)Lack of recent revolving account information
> (08)Too many inquiries last 12 months
> (15)Lack of recent bank revolving information
.
Statement(s) Reported by Bureau
ANDY AMERICA - TRU : Credit Data suppressed ADDRESS Alert: Mismatch, input does not match file (current
address) Inquiries impacted the Credit Score
ANDY AMERICA - EQU : ADDRESS Discrepany = YES a substantial difference occured
.
No OFAC information was reported
ACI-FL 10/19/2005
INFO1-GA 10/16/2005
LANDAM CR SV 10/16/2005
GMAC MTG 10/13/2005
GMAC 10/13/2005
CHARTRONE 10/13/2005
Type: Chapter 7 bankruptcy discharged Court/Decode: 3234/US BKPT CT LAS VEGAS Case:0033516KKB
Filed:2/10/2000 Paid/Satisfied: 8/23/2001 Reported:8/23/2001 Reported on ANDREW AMERICA
ANDY AMERICA by TRU, EQU
---------------------------------------------------------------------------------
Type:Civil judgement Court/Decode:201000/LAS VEGAS MUN CT-1ST DIS Case:03M17
13 Filed:6/18/1998 Reported:6/18/1998 Plaintiff:03M1714003-300 NORTH CENTRAL BUI Amount: $1400
Reported on ANDY AMERICA by TRU, EQU
--------------------------------------------------------------------------------DISCLAIMER:
The OFAC Alert is the result of Advantage Credit's proprietory cross check program with OFAC's Specially Designated Nationals and Blocked
Persons list. To determine if the alert is valid, visit the treasury department's website at http://www.ustres.gov/offices/eotffc/ofac/ and click on
"OFAC's Hotline" for additional due diligence procedures or contact OFAC directly at 800-540-6322.
This credit report is issued only to permissible users as defined by the FCRA and is done so in strict confidence. This report is furnished at the
joint request of the user and the subject of the report, who both agree to indemnify Advantage Credit for incorrect information or misuse of this
report. A good faith effort has been made to obtain all information from sources Advantage Credit deems reliable, but Advantage Credit cannot
guarantee the accuracy of this information.
THIS CONSUMER REPORT COMPLIES WITH ALL LENDING AND UNDERWRITING REQUIREMENTS AS PUBLISHED BY FNMA, FMAC,
FHLMC, VA, FHA AND FHMA
END OF CREDIT REPORT
Printed on 10/21/2005 11:54:02 AM
Page
3 of 3
W
H
O
S
E
Lender
Test Account
15 West Strong Street, Suite 20A
Pensacola, FL 00000
Phone: (850) 470-9336
Fax: (850) 470-0540
Case #: 12713310
Loan Applicant
Date Ordered: 10/19/2005
Andy America
222 S ELM ST
LAS VEGAS, NV 89103
Credit Company: Advantage Credit International, Inc.
Notice To The Home Loan Applicant - Credit Score Disclosure
In connection with your application for a home loan, a lender must disclose to you the score that a consumer reporting agency
distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores.
The credit score is a computer generated summary calculated at the time of the request and based on information a credit
bureau or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores are
important because they are used to assist the lender in determining whether you will obtain a loan. They may also be used to
determine what interest rate you may be offered on the mortgage. Credit scores can change over time, depending on your
conduct, how your credit history and payment patterns change, and how credit scoring technologies change.
Because the score is based on information in your credit history, it is very important that you review the credit-related
information that is being furnished to make sure it is accurate. Credit records may vary from one company to another.
If you have questions concerning the terms of the loan, contact the lender.
The consumer reporting agencies listed below provided a score that was used in connection with your home loan application.
Consumer Reporting Agency #1
Experian
National Consumer Assistance Center
PO Box 9556
Allen, TX 75013
(P) 888-397-3742
Model Used:
Fair Isaac
Range of Possible Scores: 300 to 850
Consumer Reporting Agency #2
Trans Union
Consumer Solutions
PO Box 2000
Chester, PA 19022
(P) 800-916-8800
Model Used:
Empirica
Range of Possible Scores: 300 to 850
Consumer Reporting Agency #3
Equifax
Customer Service
PO Box 740241
Atlanta, GA 30374
(P) 800-685-1111
Model Used:
Beacon
Range of Possible Scores: 300 to 850
Borrower
Andy America
Factors:
Score:
Created:
Factors:
Co-Borrower
Score:
Created:
Borrower
Andy America
Score:
Created:
579
10/19/2005
Factors:
38: Serious delinquency, and public record or collection filed
16: Lack of recent revolving account information
15: Lack of recent bank revolving information
08: Too many inquiries last 12 months
Factors:
Co-Borrower
Score:
Created:
Borrower
Andy America
Score:
Created:
612
10/19/2005
Co-Borrower
Factors:
20: Serious delinquency, and public record or collection filed
16: Lack of recent revolving account information
08: Too many inquiries last 12 months
15: Lack of recent bank revolving information
Factors:
Score:
Created:
I/We have received a copy of this disclosure.
Applicant
Date
Applicant
Date